Hastings Direct Temporary Car Insurance
Compare Short-Term Cover Alternatives
Hastings Direct Temporary Car Insurance
Compare Short-Term Cover Alternatives
Looking for temporary car insurance? Compare comprehensive short-term cover from specialist FCA authorised providers. Cover from 1 hour to 28 days — instant digital documents.
Not affiliated with Hastings Direct. All quotes come from independent FCA authorised insurers.
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Not affiliated with Hastings Direct. All quotes come from independent FCA authorised insurers.
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Who is Hastings Direct Temporary Car insurance
Launched in 1997 as a car insurance brokerage, it has now extended to provide a range of insurance products that include temporary car insurance and temp van insurance. It is part of the larger Hastings group that includes brands such as Insure Pink and Sabre insurance. All polices are underwritten by Advantage, Sabre and Covéa Insurance
How much does Hastings Temporary Insurance cost?
The price of cover will depend on a number of factors – including vehicle insurance category, age of car, the driver’s history and age of prospective drivers.
They currently offer a 10% discount on each additional car added to their multi car policy. They limit their multicar policy to 10 vehicles per household, which should be more than sufficient for most UK households.
Levels of Temporary Car insurance provided by Hastings Direct
Third party temporary car insurance is the minimum cover required by UK law on a vehicle used on a public highway. If you have an accident, this cover will protect you from having to pay for damage to other vehicles. You cannot make a claim against your own vehicle.
- Third party cover, which is the legal minimum to rive on the UK roads. This provides cover for the third party only. However, you can not make against damage to your own vehicle.
- Third party with fire and theft. Same as third party with the addition of theft and fire damage to your own vehicle.
- Comprehensive cover. Provides cover to the third party, but also your vehicle and passengers, in the event of an accident.
Key Points to Car insurance polices by Hastings Direct
Hastings multicar insurance is an umbrella policy that lets as many as 10 vehicles can be protected with motor vehicle insurance. The terms of this type of policy include;
- 10% discount on additional cars added
- Flexible payment plans, including monthly payments
- UK help lines open 24/7
- Uninsured vandalism and uninsured driver promise
- Good range of optional extras including breakdown cover
- Defaqto 5 Star Rated
*Terms and conditions apply. Benefits and discounts are subject to change and may vary depending on the underwriter. Information correct as of January 2026.
Can you have 2 main drivers on the same car
You can not have 2 main drivers on any Hostings temp car insurance policy, each policy needs one main driver only. Additional drivers can be added as named drivers. In the multi car insurance setup, it is common for the main driver to be the only one able to build up a no claims discount or bonus. If any car in a multi car account is in an accident, the discount will be reduced on that car. The discount will not be reduced If you have a no claims discount protection policy in place.
What do Hastings Direct Temporary Car Insurance reviews from the experts say?
- All vehicles must be registered to the same address. The owners can be family members and friends.
- Maximum of 10 vehicles per household. Can be a mix of cars, vans and bikes.
- The policies must either name the primary driver or be covered with a vehicle policy where anyone can legally operate it.
- Not all the vehicle policies have to be at the same level of protection.
- Vandalism promise: If your car is vandalised, Hastings will not penalise you by recording this as a claim, provided you pay the excess amount.
Must all vehicles be cars ?
If you have a mix of vehicles, you could choose fleet insurance which is aimed at small business start-ups that have a mix of cars and work vans. If you need cover for work vans, for example, if you provide a delivery service, then multi van fleet insurance is more aligned to your requirements.
Steps to Reduce Your Policy Premium
Follow these tips to help lower the cost of your temporary cover.
| Action Plan | Description & Impact |
|---|---|
| Check Renewals | Always check prices at renewal. In the UK, loyalty is not always rewarded; best deals are often reserved for new customers. |
| No Claims History | Build up a consistent history of no claims to demonstrate lower risk to underwriters. |
| Clean License | Avoid motoring convictions or fines, as these significantly increase premium costs. |
| Security Upgrades | Add industry-approved gadgets to reduce theft risk and assist in vehicle tracking. |
| Restrict Drivers | Evaluate if the policy can be restricted to named drivers only to reduce the insurer’s liability. |
Important Information
Premium reduction steps are for guidance only. Individual savings are not guaranteed and are subject to underwriter criteria.
Check Renewals
Always check prices at renewal. While UK rules now prevent “loyalty penalties,” different insurers frequently update their rates to stay competitive. Shopping around is still the best way to ensure you are getting the best market rate.
No Claims History
Build up a good history of no claims.
Avoid Convictions
Avoid convictions or fines.
Security Gadgets
Add industry approved security gadgets to reduce the likelihood of your vehicle being stolen and help track it should it fall victim to car theft.
Restrict Drivers
Can the policy be restricted to named drivers only?
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MultiQuoteTime have partnered with GoShorty to help you obtain Temporary Car Insurance. GoShorty is a trading style of Complex to Clear Group Limited registered in England and Wales and authorised and regulated by the Financial Conduct Authority (FRN.751221). Company Registration Number 05044963. Data Protection Registration ZA456686.
- Updated: 08 Jan 2026
- Reviewed by Eamonn Turley Insurance Expert